Bad Credit Loans

Approval for Cash Loans with Bad Credit

Who hasn't been dealt a bad hand or fallen on hard times? We get it. If you are looking for a fair go, Sunshine Loans is listening.

We've helped thousands of customers apply for small loans with bad credit. Our team will look at your credit history and depending on the timing and circumstances, we may conclude that you still qualify for a loan.

How do you determine loan approval?

As a responsible lender, we need to be sure you can comfortably afford to pay back your loan. When you apply for a loan with bad credit, we'll look at your bank statements to assess your income and ability to afford the repayments.

Even if your credit history isn't perfect, we're often still able to help out with a cash loan.

How quickly can I receive the money?

At Sunshine Loans, you can apply for bad credit loans online to get your money, if your loan is approved and you've signed the contract, the funds will be transferred to your account instantly.

What You Need to Know

To apply for cash loans with bad credit, you'll need to meet our minimum requirements:

You must be at least 18 years old.

You must have a regular income of at least $700 a week ($1400 a fortnight). Regular income can come from employment and government benefits (e.g. Centrelink). This income cannot be from Centrelink or a pension only.

Small Loan Costs and Terms

No sneaky hidden fees or charges around here! Our loan terms are simple, and our fees are transparent. For a small cash loan between $2,050 – $2,500, here's what you can expect to pay:

•We charge interest at a maximum Annual Percentage Rate of 48% per annum* plus an Establishment Fee of $400.

•There are no other account keeping or other regular monthly fees.

•The minimum term is 63 days and the maximum term is 140 days

•For example, a $2050 loan over 20 weeks will have payments of $134.51 and a total repayment of $2,690.17. This is an example only and other charges or fees may apply.

*The Comparison Rate for a loan of $2,500 over two years is 66.20%.Note: Sunshine does not offer medium loans over 2 years.

WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates.

Please note: other fees may apply if you miss a payment or are behind.

Why Choose Sunshine Loans

We're Australian owned and operated.

We've been helping Aussies secure small loans since 1999.

Simple and secure online application.

Receive approved funds directly into your bank account, fast.

Our fees are transparent, and our loan terms are simple.

If you pay off your loan early – great! There's no penalty.

	Approval for Cash Loans with Bad Credit Who hasn't been dealt a bad hand or fallen on hard times? We get it. If you are looking for a fair go, Sunshine Loans is listening. We've helped thousands of customers apply for small loans with bad credit. Our team will look at your credit history and depending on the timing and circumstances, we may conclude that you still qualify for a loan. How do you determine loan approval? As a responsible lender, we need to be sure you can comfortably afford to pay back your loan. When you apply for a loan with bad credit, we'll look at your bank statements to assess your income and ability to afford the repayments. Even if your credit history isn't perfect, we're often still able to help out with a cash loan. How quickly can I receive the money? At Sunshine Loans, you can apply for bad credit loans online to get your money, if your loan is approved and you've signed the contract, the funds will be transferred to your account instantly.
What You Need to Know To apply for cash loans with bad credit, you'll need to meet our minimum requirements: You must be at least 18 years old. You must have a regular income of at least $700 a week ($1400 a fortnight). Regular income can come from employment and government benefits (e.g. Centrelink). This income cannot be from Centrelink or a pension only.
Small Loan Costs and Terms No sneaky hidden fees or charges around here! Our loan terms are simple, and our fees are transparent. For a small cash loan between $2,050 – $2,500, here's what you can expect to pay: •We charge interest at a maximum Annual Percentage Rate of 48% per annum* plus an Establishment Fee of $400. •There are no other account keeping or other regular monthly fees. •The minimum term is 63 days and the maximum term is 140 days •For example, a $2050 loan over 20 weeks will have payments of $134.51 and a total repayment of $2,690.17. This is an example only and other charges or fees may apply. *The Comparison Rate for a loan of $2,500 over two years is 66.20%.Note: Sunshine does not offer medium loans over 2 years. WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Please note: other fees may apply if you miss a payment or are behind.
Why Choose Sunshine Loans We're Australian owned and operated. We've been helping Aussies secure small loans since 1999. Simple and secure online application. Receive approved funds directly into your bank account, fast. Our fees are transparent, and our loan terms are simple. If you pay off your loan early – great! There's no penalty.


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Sunshine Loans

Australian Credit Licence Number 390556